Financial Planning

  • Appreciate The Trade-off Between Risk And Return

    The theory is simple enough: The more risk you are willing to assume, the higher the expected potential return. The challenges, though, are selecting an asset allocation that will provide the returns you require to meet your long-term financial goals and sticking to the allocation through up and down markets.
  • The ABCs of Education Investing

    With rising college costs, many parents are likely thinking about how best to prepare for their children’s future higher education expenses. Now is a good time to sharpen one’s pencil for a few important lessons before heading back into the investing classroom to tackle the issue.
  • Proposed Tax Law Changes

    Our federal government is at it again with proposed tax law changes. The House recentlypassed legislation that many people think has a good chance of becoming law. These changescould affect financial planning strategies.
  • Consider The Big Picture During Periods of Market Stress

    Short-term stock market volatility can cause us to lose perspective. In times of market volatility, you may see alarming fluctuations in your account balances, making it tempting to adjust your asset allocation in search of calmer waters. Yet it's important to consider the performance of a balanced portfolio over time.
  • Travel Safety

    With the recent tragedies involving the Boeing 737 Max airplane, travel safety is back in the news. The debate of flying versus driving is always a curious one. It says many things about human risk behavior. Most people know it is much safer to fly than to drive. Here are the latest United States fatality…
  • Maintain Perspective and Long-term Discipline

    This article explores two topics:
  • Drink More Water

    While speaking with a cardiologist recently, my eyes were opened to the “Simple, but not Easy” strategy being applied in the medical profession. We communicate frequently about the importance of this strategy in personal finance so it was fascinating to see it play out in another profession. I thought it would be helpful to share…
  • The Importance of Personal Umbrella Policies

    Wealth protection is an important part of our wealth management process that aims to protect your assets against potential creditors and litigants, as well as protect against catastrophic loss. What would happen if you or your child caused a car accident that resulted in serious injuries or the deaths of others? How would you pay…
  • Why Should You Diversify?

    As 2019 approaches, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios.
  • Recent Market Volatility

    From September 30–October 10, the US market (as measured by the Russell 3000 Index) fell 4.8%, resulting in many investors wondering what the future holds and if they should make changes to their portfolios. While it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility is…